2-20

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Across
  1. 2. an insurance company that is incorporate in the state
  2. 3. property that has contents or furnishings in it, but is not being used or lived in
  3. 6. the section of an insurance policy that indicates the general rules or procedures that the insurer and insured agree to follow under the terms of the policy
  4. 9. a type of hazard; the effect of a person's reputation, character, living habits etc
  5. 12. a form of misrepresentation in which an agent persuades an insured to cancel, lapse, or switch policies, even when it's to the insured's disadvantage
  6. 14. an insurance company that is incorporated in another state
  7. 15. intentional misrepresentation or deceit with the intent to induce a person to part with something of value
  8. 17. the customer service agent who has been at Baucham group the longest
  9. 18. a wrongful act or violation of someone's rights that leads to legal liability referred to intentional or unintentional
  10. 19. type of hazard; the effect of a person's indifference concerning loss has on the risk to be insured
  11. 20. reduction in value, particularly due to wear and tear
  12. 21. temporary contract that puts an insurance policy into force before the premium has been paid
  13. 22. Compensatory damages that will pay for pain and suffering
  14. 24. the sales agent that has been at Baucham group the longest
  15. 26. basic principle of insurance under which risk of financial loss is assigned to another party
  16. 28. liability in which one person is responsible for the acts of another like parents responsible for kids actions
  17. 29. unfair trade practice in which an insurer uses physical or mental force to persuade an applicant to buy insurance
Down
  1. 1. fair access to insurance requirements plan is a state-run program that makes insurance obtainable to those in high risk areas who have been unable to acquire insurance through other channels
  2. 4. the fair and equal bargaining by both parties in forming the contract, where the applicant must make full disclosure of risk to the company, and the insurance company must be fair in underwriting the risk
  3. 5. a property with no contents, furnishings, or occupants
  4. 6. the head of the state department of insurance
  5. 7. any act of stealing or removing property from its rightful owner
  6. 8. insurance for which there is no readily available, admitted market
  7. 10. an individual who is licensed to sell, negotiate, or effect insurance contracts on behalf on insurer
  8. 11. a policy written separately as a single coverage
  9. 13. the voluntary abandonment of a known legal right or advantage
  10. 16. the cause of a possible loss
  11. 23. the portion of the loss that is to be paid by the insured before any claim benefits may be paid by insurer
  12. 25. causes of loss, exposures, conditions, etc listed in the policy for which benefits will not be paid
  13. 27. a demand made by the insured to cover a loss by the insurance policy